Investor Presentaiton

Portfolio credit quality - Consolidated BAJAJ FINANCE LIMITED Home loans Commercial lending 1st Bucket 2nd Bucket 3rd Bucket 4th Bucket 5th Bucket 5+ Bucket Stage 1 99.60% 99.05% 99.07% 99.63% 99.37% 99.41% 99.54% 99.56% 99.44% 2 0.11% 0.69% 0.62% 0.17% 0.42% 0.41% 0.28% 0.27% 0.40% 1.0% 0.9% 0.8% 0.7% 0.6% 0.5% 0.4% 0.3% 0.2% 0.1% 0.0% Feb'20 Sep'21 Dec'21 Mar'22 Jun'22 Sep'22 Dec'22 Mar'23 Jun'23 Portfolio credit quality after adjusting ECL provisions | Feb'20 has been retained as a pre covid benchmark Commercial lending business portfolio is 99.88% current Loan against securities Loan against securities business portfolio is 99.99% current 54

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